The end is in sight

ShirePiskie

Right, onwards and upwards. the ex is NOT going to spoil this for me (no 'decision' from him yet but he has at least acknowledged he got my emails).

So... NEW plan.

I hadn't realised at first that the money left to pay on the loan is going to have what I would have paid in PPI for the remainder taken off it... to the tune of nearly £80 a month. I am just dumbfounded that I've been paying effectively half again on what I borrowed on PPI. I've said it before, but I really was so blind to finance before.

By my rough reckoning (still waiting for a settlement figure - even though I was phoning them back for this yesterday on their instruction, when I did, they said there was a note for it to be sent out by post... even though they'd told me to phone... Grrrr) I should be able to:

• Clear the loan
• Clear (and cancel) my OD
• Clear the Tesco CC (this was in the budget to do on payday anyway)
• Buy a new bed outright (Nelly, you are right, just took me a bit longer to get there myself but am making a plaque for my home saying "finance is still debt")

There should be enough for a bit (£100 each) of 'mad money' for me and the husband.

After that I will have the Barclaycard left to clear - IF to 2016 - which I can do much sooner, but it means I don't have to struggle each month so my new DF date is February.


Took the husband out for lunch yesterday to 'celebrate' and it's weird, but also good, how my frugal habits can't just be cast aside. We were talking about a pub lunch, but ended up sharing a giant ham roll, packet of crisps and can of pop sat in the sunshine. Need to keep this way of thinking up FOREVER and not just out of debt-clearing necessity but as a permanent mindset.

ShirePiskie

Yikes... loan settlement figure WAY less than I thought!

nellis10

ShirePiskie wrote: »

Yikes... loan settlement figure WAY less than I thought!

Yay!! go mad and buy new pillows along with your new bed!

ShirePiskie

nellis10 wrote: »

Yay!! go mad and buy new pillows along with your new bed!

Actually, my first 'mad' purchase is going to be YNAB!!!:D

t2rry

ShirePiskie wrote: »

Actually, my first 'mad' purchase is going to be YNAB!!!:D

Wooaaahh, calm down, you're outta control!

hohum

ShirePiskie wrote: »

Actually, my first 'mad' purchase is going to be YNAB!!!:D

*Delurks*

On 25% off sale at steam?

Congrats on your good news, the hard work is going to pay off because as you've said...new habits, new knowledge.

ShirePiskie

hohum wrote: »

*Delurks*

On 25% off sale at steam?

Congrats on your good news, the hard work is going to pay off because as you've said...new habits, new knowledge.

I always imagine *delurking* to be like jumping out from behind a tree shouting "hello!".

And yes, of course in the sale. :money:

nellis10

ShirePiskie wrote: »

I always imagine *delurking* to be like jumping out from behind a tree shouting "hello!".

And yes, of course in the sale. :money:

Atta Girl!

Mysteek

Brilliant news ShirePiskie on your PPI claim, I am really pleased for you.

We had nearly £8,000 paid back in a PPI claim last year but unfortunately then we were in stupid mode and spent it all. Most of it was stuff we needed, like a new pvc door for our rotting wooden one, but we were originally going to put this to paying off a credit card which had 26.4% interest rate. But sounds like you are going to use your claim much more sensibly. Well done!

t2rry

And with that ShirePiskie, you are a MoneySaving Stalwart!

(meeee toooo!) x